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Bankers maturity Guide 
*i* fioliday Calendar 



m$ edition 



^1898^ 



January 


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1 






s Maturity Guide 
and Holiday Calendar 






s 



7T summary of me laws and 
customs prevailing through- 
out the United States and Canada, 
governing dags of grace, Saturday 
half-holidays and maturities of ne- 
gotiable paper; with legal and con- 
tract rates of interest; also a list 
of legal holidays for each State, 
Territory and Province. 



S<r 












Compiled and Published by 

SPERRY & MORGA 

HARTFORD CONNECTICUT 




1595 Edition 



ft 







Copyright, 1898, by 
SPERRY & MORGAN 



PLIMPTON PRESS 
HARTFORD 



INTRODUCTION 



THE information contained in this pamphlet has 
* been secured through the courtesy of Bank 
Officers in each State, Territory and Province, and 
from reports furnished by the Secretaries of State. 
All doubtful points have been settled by consulting the 
laws of the various States, on file in the Connecticut 
State Library at Hartford. 

A list of Legal Holidays appears with the laws of 
each State. Movable holidays are given with the 
title of day observed and dates for 1898-1899. 
The chronological list on the last page gives the 
reasons for the observance of fixed holidays. 

H. M. Sperry, discount clerk, 
National Exchange Bank of Hartford, 

W. D. Morgan, discount clerk, 
The Aetna National Bank of Hartford. 



Alabama 

GRACE is allowed on notes, acceptances and sight 
drafts ; no grace on demand drafts. Saturday is 
not a half-holiday. Notes, etc., falling due on Saturday 
are payable the same day. Notes, etc., falling due on 
Sunday or legal holidays are payable the next succeed- 
ing business day. Legal rate of interest, &%. Contract 
rate, 8%. Notes to be negotiable must be payable at a 
fixed place. Holidays falling on Sunday are observed 
Monday. 



January . . 1 
Mardi Gras, 

Feb. 22, 1898, 
Feb. 14, 1899. 


Good Friday, 

Apr. 8, 1898, 
Mch. 31, 1899. 

April 26 


Labor Day, 

Sept. 5, 1898, 
Sept. 4, 1899. 

Thanksgiving, 

Nov. 24, 1898. 
Nov. 30, 1899. 


February 22 




July.. 4 


December 25 


izona Territory 







GRACE is allowed on notes, acceptances, sight and 
demand drafts. Saturday is not a half-holiday. 
Notes, etc., falling due on Saturday are payable the 
same day. Notes, etc., failing due on Sunday or legal 
holidays are payable the next succeeding business day. 
Legal rate of interest, 7%. Contract rate, no limit 
Holidays falling on Sunday are observed Monday. 

January.. 1 IVlay 30 Thanksgiving, 

_ _ mem Nov. 24, 1898, 

Arbor Day, Ju!y 4 Nov. 30, 1899. 

Feb. 4, 1898, ^ ^ 

Feb. 3, 1899. ELECTION DAY, 

February 22 Nov D 8^1898. December 25 



Arkansas 

GRACE is allowed on notes, acceptances and sight 
drafts ; no grace on demand drafts. Saturday is 
not a half-holiday. Notes, etc., falling due on Saturday 
are payable the same day. Notes, etc., falling due on 
Sunday or legal holidays are payable the preceding 
business day. Legal rate of interest, 6%. Contract 
rate, 10%. Holidays falling on Sunday are observed 
Monday. 



January . . 1 



February 22 



Thanksgiving, 

Nov. 24, 1898, 
July 4 Nov. 30, 1899. 

December 25 



N 



California 

O GRACE allowed. Saturday is, by custom, a half- 



holiday in San Francisco, Los Angeles, Oakland, 
Sacramento, San Jose and San Diego. Notes, etc., 
falling due on Saturday are payable the same day. 
Notes, etc., falling due on Sunday or legal holidays are 
payable the next succeeding business day. Legal rate of 
interest, 7%. Contract rate, no limit. Holidays falling 
on Sunday are observed Monday. 



January . . 1 
February 22 
May . . . 30 
July 4 



Labor Day, 

Sept. 5, 1898, 
Sept. 4, 1899. 

September 9 



Election Day, 

Even years, 
Nov. 8, 1898. 

Thanksgiving, 

Nov. 24, 1898. 
Nov. 30, 1899. 

December 25 



Colorado 

NO GRACE allowed on notes, etc., dated on or 
after July 19, 1897. Saturday is, by law, a half- 
holiday in Denver during June, July and August, and is 
observed, by custom, in that city the remainder of the 
year. Notes, etc., falling due on a legal half-holiday 
Saturday, Sunday or legal holidays are payable the 
next succeeding business day. Legal rate of interest, 
8%. Contract rate, no limit. The Negotiable Instru- 
ments Law went into effect July 19, 1897. Holidays 
falling on Sunday are observed Monday. 

January.. 1 Labor Day, Thanksgiving, 

Sept. 5, 1898, Nov. 24, 1898, 

February 22 Sept. 4,1899. Nov. 30, 1899. 

May 30 Election Day, 

. . a Nov. 8, 1898, _ . nv 

July 4 Nov. 7, 1899. December 25 

Connecticut 

NO GRACE allowed on notes, etc., dated on or after 
July 1, 1895. Saturday is, by law, a half-holiday 
in the entire state. Notes, etc., falling due on Saturday, 
Sunday or legal holidays are payable the next succeed- 
ing business day. Legal rate of interest, 6%. Contract 
rate, 6%. The Negotiable Instruments Law went into 
effect April 5, 1897. Holidays falling on Sunday are 
observed Monday. 

January.. 1 Good Friday, Labor Day, 

Apr. 8, 1898, Sept. 5, 1898, 

Mch. 31, 1899. Sept. 4, 1899. 

February 12 |y| av 39 Thanksgiving, 

3 Nov. 24, 1898, 

July 4 Nov. 80, 1899. 

February 22 December 25 



Delaware 

GRACE is allowed on notes and acceptances; no 
grace on sight or demand drafts. Legal rate of 
interest, 6%. Contract rate, 6%. Holidays falling on 
Sunday are observed Monday. 



In the City of Wilmington, all the year : 

In New Castle County , from June 1 to September 30 : 

Saturday is, by law, a half-holiday. Notes, etc., fall- 
ing due on Saturday or Sunday are payable the next 
succeeding business day. Notes, etc., falling due on legal 
holidays are payable the preceding business day, except : 
when Monday is a holiday, items due that day are pay- 
able Tuesday; when Saturday is a holiday, items due 
that day or Sunday are payable the preceding Friday. 



In New Castle County (other than the City of Wilming- 
ton), from October 1 to May 31, and throughout 
the remainder of the state, all the year : 
Saturday is not a half-holiday. Notes, etc., falling 
due on Saturday are payable the same day. Notes, etc., 
falling due on Sunday or legal holidays are payable the 
preceding business day. 



LEGAL HOLIDAYS 

January.. 1 July 4 Thanksgiving, 

Nov. 24, 1898, 

February 22 Labor Day, Nov. 30, 1899. 

■■ «/> Sept. 5, 1898, _ . __ 

May. . . 30 Sept. 4!i899. December 25 



District of eolumbia 

NO GRACE allowed on notes, etc., dated on or after 
January 1, 1897. Saturday is, by law, a half- 
holiday in the entire district. Notes, etc., falling due on 
Saturday, Sunday or legal holidays are payable the 
next succeeding business day. Legal rate of interest, 
6%. Contract rate, 10%. Holidays falling on Sunday 
are observed Monday. 

January. . 1 JuSy 4 Thanksgiving, 

Nov. 24, 1898, 

February 22 Labor Day, Nov. 30, 1899. 

Sept' 5 . 1898 . ■* u «- 

May ... 30 Sept. 4, 1899. December 25 

Florida 

NO GRACE allowed on notes, etc., dated on or after 
August 3, 1897. Saturday has not been made a 
legal half-holiday and banks do not close ; but accord- 
ing to a provision of the Negotiable Instruments Law, 
which went into effect August 3, 1897, notes, etc., 
falling due on Saturday, Sunday or legal holidays are 
payable the next succeeding business day. Legal rate 
of interest, 8%. Contract rate, 10%. Holidays falling 
on Sunday are observed Monday. 

January . . 1 June 3 Election Day, 

Even years, 

January. 19 July 4 Nov. 8, 1898. 

Thanksgiving, 
February 22 . ^ Nov. 24, 1898, 

rcu y Labor Day, nov.30, 1899. 

«/» Sept. 5, 1898, _ . rt _ 

April ... 26 sept. 4, 1899; December 25 



Georgia 

GRACE is allowed on notes and acceptances: no 
grace on sight or demand drafts. Saturday is not 
a half- holiday. Notes, etc., falling due on Saturday are 
payable the same day. Notes, etc., falling due on Sun- 
day or legal holidays are payable the preceding business 
day, except : when Saturday is a holiday, items due Sun- 
day are payable Monday ; when Monday is a holiday, 
items due that day are payable Tuesday. Legal rate of 
interest, 7%. Contract rate, 8%. Holidays falling on 
Sunday are observed Monday. 



January . . 1 
January. 19 
February 22 
April ... 26 



July 4 
Labor Day, 

Sept. 5, 1898, 
Sept. 4, 1899. 



Thanksgiving, 

Nov. 24, 1898, 
Nov. 30, 1899. 

December 25 



Idaho 

NO GRACE allowed. Saturday is not a half-holiday. 
Notes, etc., falling due on Saturday are payable 
the same day. Notes, etc., falling due on Sunday or 
legal holidays are payable the next succeeding business 
day. Legal rate of interest, 7%. Contract rate, 12%. 
Holidays falling on Sunday are observed Monday. 



January . . 1 

February 22 

Arbor Day, 

May 6, 1898, 
May 5, 1899. 



July 4 



Election Day, 

Even years, 
Nov. 8, 1898. 



Thanksgiving, 

Nov. 24, 1898, 
Nov. 30, 1899. 

December 25 



Illinois 



NO GRACE allowed on notes, etc., dated on or after 
July 1, 1895. Saturday is not a legal half-holiday, 
but is observed, by custom, in Chicago, all the year. 
Notes, etc., falling due on Saturday are payable the 
same day. Notes, etc., falling due on Sunday or legal 
holidays are payable the next succeeding business day. 
Legal rate of interest, 5%. Contract rate, 7%. Holi- 
days falling on Sunday are observed Monday. 



January . . 1 


May 30 


Election Day, 

CHICAGO ONLY, 


February 12 


July 4 


Nov. 8, 1898, 


February 22 




Nov. 7, 1899. 




Labor Day, 


Thanksgiving, 


Election Day, 


Sept. 5, 1898, 


Nov. 24, 1898, 


CHICAGO ONLY, 


Sept. 4, 1899. 


Nov. 30, 1899 


Apr. 5, 1898, 
Apr. 4, 1899. 




December 25 


Indiana 







GRACE is allowed on notes, acceptances, sight and 
demand drafts. Saturday is not a half-holiday. 
Notes, etc., falling due on Saturday are payable the 
same day. Notes, etc., falling due on Sunday or legal 
holidays are payable the preceding business day. Legal 
rate of interest, 6%. Contract rate, 8%. Notes to 
be negotiable must be payable at a bank. Holidays 
falling on Sunday are observed Monday. 

January . . 1 



February 22 
May . . . 30 
July 4 



Labor Day, 

Sept. 5, 1898, 
Sept. 4, 1899. 

Election Day, 

Even years, 
Nov. 8, 1898. 



Thanksgiving, 

Nov. 24, 1898, 
Nov. 30, 1899. 



December 25 



Indian Territory 

GRACE is allowed on notes, acceptances and sight 
drafts ; no grace on demand drafts. Saturday is 
not a half-holiday. Notes, etc., falling due on Saturday- 
are payable the same day. Notes, etc., falling due on 
Sunday or legal holidays are payable the preceding 
business day. Legal rate of interest, 6%. Contract 
rate, 10%. Holidays falling on Sunday are observed 
Monday. 



January . . 1 
February 22 
May . . . 30 



July 4 
Labor Day, 

Sept. 5, 1898, 
Sept. 4, 1899. 



Thanksgiving, 

Nov. 24, 1898, 
Nov. 30, 1899. 

December 25 



Iowa 

GRACE is allowed on notes, acceptances and sight 
drafts ; no grace on demand drafts. Saturday is 
not a legal half-holiday, but is observed, by custom, 
in Des Moines, Dubuque, Davenport and Burlington. 
Notes, etc., falling due on Saturday are payable the 
same day. Notes, etc., falling due on Sunday or legal 
holidays are payable the next succeeding business day. 
Legal rate of interest, 6%. Contract rate, 8%. Holi- 
days falling on Sunday are usually observed Monday ; 
no law. 



January . . 1 
February 22 
May . . . 30 
July 4 



Labor Day, 

Sept. 5, 1898, 
Sept. 4, 1899. 

Election Day, 

Nov. 8, 1898. 
Nov. 7, 1899. 



Thanksgiving, 

Nov. 24, 1898, 
Nov. 30, 1899. 



December 25 



Kansas 

GRACE is allowed on notes and acceptances; no 
grace on sight or demand drafts. Saturday is 
not a legal half-holiday, but is observed, by custom, in 
Topeka. Notes, etc., falling due on Saturday are pay- 
able the same day. Notes, etc., falling due on Sunday 
or legal holidays are payable the preceding business 
day. Legal rate of interest, 6%. Contract rate, 10%. 
Holidays falling on Sunday are observed Saturday. 

January.. 1 July 4 Thanksgiving, 

^ Nov. 24, 1898, 

February 22 Labor Day, Nov. 30, ]899. 

Sept. 5, 1898, _ . 

May ... 30 sept. 4, 1899. December 25 

Kentucky 

GRACE is allowed on notes, acceptances and sight 
drafts ; no grace on demand drafts. Saturday is 
not a half-holiday. Notes, etc., falling due on Saturday 
are payable the same day. Notes, etc., falling due on 
Sunday or legal holidays are payable the preceding 
business day. Legal rate of interest, 6%. Contract 
rate, 6%. Notes to be negotiable must be payable at 
a bank. Holidays falling on Sunday are observed 
Monday. 

January.. 1 Thanksgiving, 

. , M NOV « 24 > 1898 » 

February 22 July 4 Nov. 30, 1899. 

May ... 30 December 25 



Louisiana 

GRACE is allowed on notes and acceptances; no 
grace on sight or demand drafts. Saturday is, by 
law, a half-holiday in New Orleans. Notes, etc., falling 
due on Saturday in that city are payable the next suc- 
ceeding business day ; in all other places the same day. 
Notes, etc., falling due on Sunday or legal holidays are 
payable the next succeeding business day. Legal rate 
of interest, 5%. Contract rate, 8%. Holidays falling 
on Sunday are observed the same day. 



January . . 1 

January . . 8 

Mardi Gras, 

New Orleans only, 
Feb. 22, 1898, 
Feb. 14, 1899. 

February 22 
April 6 



Good Friday, 

Apr. 8, 1898, 
Men. 31, 1899. 

July 4 

November 1 

Election Day, 

Even years, 
Nov. 8, 1898. 



November 25 

New Orleans only. 

Thanksgiving, 

Nov. 24, 1898, 
Nov. 30, 1899. 



December 25 



Maine 



NO GRACE allowed (except on sight drafts) on notes, 
etc., dated on or after July 1, 1897. Saturday is, 
by law, a half-holiday in the entire state. Notes, etc., 
falling due on Saturday are payable the same day, but 
may be protested that day or on the next succeeding 
business day. Notes, etc., falling due on Sunday or 
legal holidays are payable the next succeeding business 
day. Legal rate of interest, 6%. Contract rate, no limit. 
Holidays falling on Sunday are observed Monday. 



January . . 1 
February 22 
Fast Day, 

By proclamation, 

a Thursday 

in April. 



May . . . 30 
July 4 

Labor Day, 

Sept. 5, 1898, 
Sept. 4, 1899. 



Thanksgiving, 

Nov. 24, 1898, 
Nov. 30, 1899. 



December 25 



Maryland 

NO GRACE allowed on notes, etc., dated on or after 
June 1, 1896. Saturday is, by law, a half-holiday 
in Baltimore and Annapolis. Notes, etc., falling due on 
Saturday in the cities named are payable the next suc- 
ceeding business day ; in all other places the same day. 
Notes, etc., falling due on Sunday in Baltimore and 
Annapolis are payable the next succeeding business day ; 
in all other places the preceding business day. Notes, 
etc., falling due on legal holidays are payable the pre- 
ceding business day, except : when Monday is a holiday, 
items due that day are payable Tuesday. Legal rate of 
interest, 6%. Contract rate, §%. Holidays falling on 
Sunday are observed Monday. 

January.. 1 July 4 Election Day, 

February 22 Labor Day, gor. 8, 1898, 

Go f D f ?!o D * AY ' i5t 1 1899.' Thanksgiving, 

Apr. o, 1898, «^ _^ TSJov 94. 1RQS 

Mch.3i,i899. Defenders- Day, f^tjsg 1 

Sept. 12. _ . -- 

May ... 30 when proclaimed. December 25 

Massachusetts 

NO GRACE allowed (except on sight drafts) on notes, 
etc., dated on or after January 1, 1897. Saturday 
is, by law, a half-holiday in the entire state. Notes, etc., 
falling due on Saturday, Sunday or legal holidays are 
payable the next succeeding business day. Legal rate 
of interest, 6%. Contract rate, no limit. Holidays 
falling on Sunday are observed Monday. 

February 22 July 4 Thanksgiving, 

. ' ^ Nov. 24, 1898, 

April ... 19 LABOR DAY, Nov.30, 1899. 

Sept. 5, 1898, _ . __ 

May ... 30 sept. 4, 1899. December 25 

Bunker Hill Day, June 17, is not a legal holiday, 
but is observed in Boston by agreement of banks. 



Michigan 

GRACE is allowed on notes, acceptances and sight 
drafts; no grace on demand drafts. Saturday 
is, by law, a half-holiday in the entire state. Notes, 
etc., falling due on Saturday, Sunday or legal holidays 
are payable the next succeeding business day. Legal 
rate of interest, 6%. Contract rate, 8%. Holidays 
falling on Sunday are observed Monday. 



January . . 1 
February 22 
May ... 30 



July 4 
Labor Day, 

Sept. 5, 1898, 
Sept. 4, 1899. 



Thanksgiving, 

Nov. 24, 1898, 
Nov. 30, 1899. 

December 25 



Minnesota 

GRACE is allowed on notes, acceptances and sight 
drafts ; no grace on demand drafts. Saturday is 
not a legal half-holiday, but is observed, by custom, in 
Minneapolis, St. Paul and Duluth. Notes, etc., falling 
due on Saturday are payable the same day. Notes, etc., 
falling due on Sunday or legal holidays are payable the 
preceding business day. Legal rate of interest, 7%. 
Contract rate, 10%. Holidays falling on Sunday are 
observed Monday. 



January . . 1 

February 12 

February 22 

Good Friday, 

Apr. 8, 1898, 
Mch. 31, 1899. 



May 30 
July 4 

Labor Day, 

Sept. 5, 1898, 
Sept. 4, 1899. 



Election Day, 

Even years, 
Nov. 8, 1898. 

Thanksgiving, 

Nov. 24, 1898, 
Nov. 30, 1899. 

December 25 



Mississippi 

GRACE is allowed on notes, acceptances, sight and 
demand drafts. Saturday is not a half-holiday. 
Notes, etc., falling due on Saturday are payable the 
same day. Notes, etc., falling due on Sunday or legal 
holidays are payable the preceding business day. Legal 
rate of interest, 6%. Contract rate, 10%. Holidays 
falling on Sunday are observed Saturday. 

January 1 Thanksgiving, December 25 

. . ,, Nov. 24, 1898, 

JUly.. . 4 Nov. 30, 1899. 

Missouri 

GRACE is allowed on notes and acceptances ; no 
grace on sight or demand drafts. Saturday is, by 
law, a half-holiday in St. Louis and Kansas City. 
Notes, etc., falling due on Saturday are payable the 
same day; but in the cities named, if presentation 
cannot be secured before 12 o'clock noon, items become 
payable on the next succeeding business day. Notes, etc., 
falling due on Sunday or legal holidays are payable the 
next succeeding business day, except : when Saturday is 
a holiday, items due that day are payable Friday; 
when Monday is a holiday, items due Sunday are pay- 
able Saturday. Legal rate of interest, 6%. Contract 
rate, 8%. Holidays falling on Sunday are observed 
Monday. 

January.. 1 Labor Day, Thanksgiving, 

Sept. 5, 1898, Nov. 24, 1898, 

February 22 Sept. 4, 1899. Nov. 30, 1899. 

May ... 30 Election Day, 

. . m Even years, _ . __ 

July .... 4 Nov. 8, 1898. December 25 



Montana 

NO GRACE allowed on notes, etc., dated on or after 
July 1, 1895. Saturday is not a legal half-holiday. 
Notes, etc., falling due on Saturday are payable the 
same day. Notes, etc., falling due on Sunday or legal 
holidays are payable the next succeeding business day. 
Legal rate of interest, 10%. Contract rate, no limit. 
Holidays falling on Sunday are observed Monday. 

January.. 1 Labor Day, Thanksgiving, 

Sept. 5, 1898, Nov. 24, 1898, 

February 22 Sept. 4, 1899. Nov. 30, 1899. 

May ... 30 Election Day, 

July .... 4 Nov" 8^1898! December 25 

Nebraska 

GRACE is allowed on notes, acceptances and sight 
drafts ; no grace on demand drafts. Saturday is 
not a legal half-holiday, but is observed, by custom, in 
Omaha. Notes, etc., falling due on Saturday are pay- 
able the same day. Notes, etc., falling due on Sunday 
or legal holidays are payable the next succeeding 
business day. Legal rate of interest, 7%. Contract 
rate, 10%. Holidays falling on Sunday are observed 
Monday. 

January.. 1 July 4 Thanksgiving, 

February 22 Nov. 24, 1898, 



Nov. 30, 1899. 

May ... 30 sept.' I] 1899.' December 25 



April... 22 L ABO " ? ft A Y - 

Sept. 5, 1898, 



Nevada 

GRACE is allowed on notes and acceptances; no 
grace on sight or demand drafts. Saturday is not 
a half-holiday. Notes, etc., falling due on Saturday are 
payable the same day. Notes, etc., falling due on 
Sunday or legal holidays are payable the preceding 
business day. Legal rate of interest, 7%. Contract 
rate, no limit. Holidays falling on Sunday are generally 
observed Monday ; no law. 



January . . 1 



February 22 



July 4 



Thanksgiving, 

Nov. 24, 1898, 
Nov. 30, 1899. 

December 25 



New Hampshire 

NO GRACE allowed (except on sight drafts) on notes, 
etc., dated on or after January 1, 1898. Saturday 
is not a legal half-holiday, but is observed, by custom, 
in Manchester. Notes, etc., falling due on Saturday are 
payable the same day. Notes, etc., falling due on Sun- 
day or legal holidays, if dated on or after January 1, 
1898, are payable on the next succeeding business day ; 
if dated previous to January 1, 1898, are payable the 
preceding business day. Legal rate of interest, 6%. 
Contract rate, 6%. Holidays falling on Sunday are 
observed Monday. 

February 22 

July 4 



Fast Day, 

By proclamation, 

a Thursday 

in April. 

May 30 



Labor Day, 

Sept. 5, 1898, 
Sept. 4, 1899. 



Election Day, 

Even years, 
Nov. 8, 1898. 

Thanksgiving, 

Nov. 24, 1898, 
Nov. 30, 1899. 

December 25 



New Jersey 

NO GRACE allowed on notes, etc., dated on or after 
July 4, 1895. Saturday is, by law, a half-holiday 
in the entire state. Notes, etc., falling due on Saturday, 
Sunday or legal holidays are payable the next succeed- 
ing business day. Legal rate of interest, 6%. Contract 
rate, 6%. Holidays falling on Sunday are observed 
Monday. 
January . 

February 

February 22 

Way . . . 30 



1 

12 



July 4 
Labor Day, 

Sept. 5, 1898, 
Sept. 4, 1899. 



Election Day, 

Nov. 8, 1898. 
Nov. 7, 1899. 

Thanksgiving, 

Nov. 24, 1898, 
Nov. 30, 1899. 

December 25 



New Mexico Territory 

GRACE is allowed on notes, acceptances and, sight 
drafts ; no grace on demand drafts. Saturday is 
not a legal half-holiday, but is observed, by custom, in 
Albuquerque. Notes, etc., falling due on Saturday are 
payable the same day. Notes, etc., falling due on Sun- 
day or legal holidays are payable the next succeeding 
business day. Legal rate of interest, 6%. Contract 
rate, 12%'. Holidays falling on Sunday are observed 
Monday. 

January.. 1 Thanksgiving, 

. , - Nov. 24,1898, 

July 4 Nov. 30, 1899. 

February 22 December 25 



New York 

NO GRACE allowed on notes, etc., dated on or after 
January 1, 1895. Saturday is, by law, a half- 
holiday in the entire state. Notes, etc., falling due on 
Saturday, Sunday or legal holidays are payable the 
next succeeding business day. Legal rate of interest, 
6%. Contract rate, 6%, except on collateral demand 
loans of $5,000 and over, on which any rate contracted 
is legal. The Negotiable Instruments Law went into 
effect October 1, 1897. Holidays falling on Sunday are 
observed Monday. 

January.. 1 Labor Day, Thanksgiving, 

Fphrnarv 1 9 &*&• 5 » 1898 . Nov - 24 » 1898 « 

reuruary i z Sept ^ im Nov< ^ im 

February 22 

May.... 30 Election Day, 

• i a Nov. 8, 1898, _ . __ 

July 4 Nov. 7, 1899. December 25 

North Carolina 

GRACE is allowed on notes, acceptances and sight 
drafts ; no grace on demand drafts. Saturday is 
not a legal half-holiday, but is observed, by custom, in 
Wilmington during the summer. Notes, etc., falling 
due on Saturday are payable the same day. Notes, etc., 
falling due on Sunday or legal holidays are payable the 
preceding business day, except: when Saturday is a 
holiday, items due Sunday are payable Monday ; when 
Monday is a holiday, items due that day are payable 
Tuesday. Legal rate of interest, 6%. Contract rate, 
6%. Holidays falling on Sunday are observed Monday. 
January.. 1 May 10 Thanksgiving, 

Nov. 24, 1898, 

January. 19 May 20 Nov. 30, 1899. 

February 22 July 4 December 25 



North Dakota 

NO GRACE allowed on notes, etc., dated on or after 
January 1, 1896. Saturday is not a half-holiday. 
Notes, etc., falling due on Saturday are payable the 
same day. Notes, etc., falling due on Sunday or legal 
holidays are payable the next succeeding business day. 
Legal rate of interest, 7%. Contract rate, 12%. Holi- 
days falling on Sunday are observed Monday. 

January.. 1 May 30 Election Day, 

February 12 llT.Z^k 

February 22 JU,y * Thanksgiving, 



Arbor Day, Labor Day, 



Nov. 24, 1898, 
Nov. 30, 1899. 

By proclamation, Sept. 5, 1898, _ ' __ 

Usually in April. Sept. 4, 1899. December 25 

Ohio 

NO GRACE allowed on notes, etc., dated after Sep- 
tember 1, 1896. Saturday is, by law, a half-holi- 
day in Cincinnati, Cleveland, Columbus, Toledo and 
Dayton. Notes, etc., falling due on Saturday in those 
cities are payable the next succeeding business day.* 
Notes, etc., falling due on Saturday in all other places 
are payable the same day. Notes, etc., falling due on 
Sunday or legal holidays are payable the next succeeding 
business day. Legal rate of interest, 6%. Contract rate, 
8%. Holidays falling on Sunday are observed Monday. 
January.. 1 July 4 Thanksgiving, 

i ^ Nov - 24 » 1898 > 

February 22 Labor Day, nov.30, 1899. 

Sept. 5, 1898, _ _ 

May ... 30 Sept. 4, 1899. December 25 

* One of the lower courts has held the Saturday half-holiday law 
to be invalid, which has led some banks in the cities named to pro- 
test items Saturday. The law has not been passed upon by the 
Supreme Court. A bill is now pending in the Legislature to make 
Saturday a half-holiday throughout the entire state. 



Oklahoma Territory 

GRACE is allowed on notes, acceptances, sight and 
demand drafts. Saturday is not a half-holiday. 
Notes, etc., falling due on Saturday are payable the 
same day. Notes, etc., falling due on Sunday or legal 
holidays are payable the next succeeding business day. 
Legal rate of interest, 7%. Contract rate, 12,%. Holi- 
days falling on Sunday are observed Monday. 

January.. 1 July 4 Thanksgiving, 

_ _ Nov. 24, 1898, 

February 22 Election Day, Nov. 30! 1899. 

~~ Even years, _ . __ 

May ... 30 Nov. 8, 1898. December 25 

Oregon 

NO GRACE allowed on notes, etc., dated on or after 
May 19, 1893. Saturday is not a legal half-holi- 
day, but is observed, by custom, in Portland. Notes, 
etc., falling due on Saturday are payable the same day. 
Notes, etc., falling due on Sunday or legal holidays are 
payable the next succeeding business day. Legal rate of 
interest, 8%. Contract rate, 10%. Holidays falling on 
Sunday are observed Monday. 

January.. 1 Election Day, Thanksgiving, 



February 22 
May . . . 30 



Even years, 
June 6, 1898. 

July 4 
Labor Day, 

Sept. 5, 1898, 
Sept. 4, 1899. 



Nov. 24, 1898, 
Nov. 30, 1899. 



December 25 



Pennsylvania 

NO GRACE allowed on notes, etc., dated on or after 
January 1, 1896. Saturday is, by law, a half-holi- 
day in the entire state. Notes, etc., falling due on Satur- 
day, Sunday or legal holidays are payable the next 
succeeding business day. Legal rate of interest, 6%. 
Contract rate, Q%. Holidays falling on Sunday are 
observed Monday. 

January.. 1 Good Friday, 

_ . m _ Apr. 8, 1898, 

February 12 Mch.3i, 1899. 

May 30 
July 4 
Labor Day, 

Sept. 5, 1898, 



Election Day, 

Feb. 15, 1898, 
Feb. 21, 1899. 



Election Day, 

Nov. 8, 1898, 
Nov. 7, 1899. 

Thanksgiving, 

Nov. 24, 1898, 
Nov. 30, 1899. 



February 22 



Sept. 4, 1899. 



December 25 
Rhode Island 



GRACE is allowed on notes, acceptances and sight 
drafts; no grace on demand drafts. Saturday is, 
by law, a half-holiday in the entire state. Notes, etc., 
falling due on Saturday, Sunday or legal holidays are 
payable the next succeeding business day. Legal rate 
of interest, 6%. Contract rate, no limit. Holidays 
falling on Sunday are observed Monday. 



February 22 
Election Day, 

Apr. 6, 1898, 
Apr. 5, 1899. 

Arbor Day, 

May 13, 1898, 
May 12, 1899. 



May 30 
July 4 

Labor Day, 

Sept. 5, 1898, 
Sept.-4, 1899. 



Election Day, 

Even years, 
Nov. 8, 1898. 

Thanksgiving, 

Nov. 24, 1898, 
Nov. 30, 1899. 

December 25 



South Carolina 

GRACE is allowed on notes, acceptances and sight 
drafts ; no grace on demand drafts. Saturday is, 
by law, a half-holiday in Charleston. Notes, etc., falling 
due on Saturday are payable the same day. Notes, 
etc., falling due on Sunday or legal holidays are pay- 
able the next succeeding business day. Legal rate of 
interest, 7%. Contract rate, 8%. Holidays falling on 
Sunday are observed Monday. 

January . . 1 

July 4 



January. 19 
February 22 

May .. . . 10 



Labor Day, 

Sept. 5, 1898, 
Sept. 4, 1899. 



Election Day, 

Even years, 
Nov. 8, 1898. 

Thanksgiving, 

Nov. 24, 1898, 
Nov. 30, 1899. 

December 25 



South Dakota 

GRACE is allowed (three full business days, Sundays 
and holidays are not counted) on notes, accept- 
ances, sight and demand drafts. Saturday is not a 
half-holiday. Notes, etc., falling due on Saturday are 
payable the same day. Notes, etc., falling due on Sun- 
day or legal holidays are payable the next succeeding 
business day. Legal rate of interest, 7%. Contract 
rate, 12%. Holidays falling on Sunday are observed 
Monday. 

July 4 
Labor Day, 

Sept. 5, 1898, 
Sept. 4, 1899. 

Election Day, 

Even years, 



January . . 1 
February 22 
Arbor Day, 

By proclamation, 
Usually in April. 

May . . . 30 



Thanksgiving, 

Nov. 24, 1898, 
Nov. 30, 1899. 



Nov. 8, 1898. 



December 25 



Tennessee 

GRACE is allowed on notes and acceptances; no 
grace on sight or demand drafts. Saturday is not 
a half-holiday. Notes, etc., falling due on Saturday are 
payable the same day. Notes, etc., falling due on Sun- 
day or legal holidays are payable the preceding business 
day. Legal rate of interest, 6%. Contract rate, §%. 
Holidays falling on Sunday are observed Monday. 



January . . 1 

February 22 

Good Friday, 

Apr. 8. 1898. 
Mch. 31, 1899. 

Memorial Day, 

May 19, 1898, 
May 18, 1899. 



May 30 

July 4 

Election Day, 

Even years, 
Aug. 4, 1898. 

Labor Day, 

Sept. 5, 1898, 
Sept. 4, 1899. 



Election Day, 

Even years, 
Nov. 8, 1898. 

Thanksgiving, 

Nov. 24, 1898, 
Nov. 30, 1899. 

December 25 



Texas 

GRACE is allowed on notes, acceptances and sight 
drafts ; no grace on demand drafts. Saturday is 
not a legal half-holiday, but is observed, by custom, in 
Galveston, Houston and Dallas. Notes, etc., falling due 
on Saturday are payable the same day. Notes, etc., 
falling due on Sunday or legal holidays are payable the 
preceding business day. Legal rate of interest, 6%. 
Contract rate, 10%. Holidays falling on Sunday are 
observed Monday. 



January . . 1 
February 22 
March . . 2 
April . . 21 



July 4 



Labor Day. 

Sept. 5, 1898, 
Sept. 4, 1899. 



Election Day, 

Even years, 
Nov 8, 1898. 

Thanksgiving, 

Nov. 24, 1898, 
Nov. 30, 1899. 

December 25 



Utah 

NO GRACE allowed. Saturday is not a half-holiday. 
Notes, etc., falling due on Saturday are payable 
the same day. Notes, etc., falling due on Sunday or 
legal holidays are payable the preceding business day, 
except : when Saturday is a holiday, items due Sunday 
are payable Monday ; when Monday is a holiday, items 
due that day are payable Tuesday. Legal rate of inter- 
est, 8%. Contract rate, no limit. Holidays falling on 
Sunday are observed Monday. 



January . . 1 
February 22 


July 4 
July 24 


Thanksgiving, 

Nov. 24, 1898, 
Nov. 30, 1899. 


April. . . 15 
May . . . 30 


Labor Day, 

Sept. 5, 1898, 
Sept. 4, 1899. 


December 25 


Vermont 







NO GRACE allowed on notes, etc., dated on or aftet 
January 1, 1893. Saturday is not a legal half- 
holiday, but is observed, by custom, in Rutland, during 
June, July and August. Notes, etc., falling due on Satur- 
day are payable the same day. Notes, etc., falling due 
on Sunday or legal holidays are payable the next suc- 
ceeding business day. Legal rate of interest, 6%. Con- 
tract rate, 6%. Holidays falling on Sunday are ob- 
served Saturday. 

January. . 1 August 16 

February 22 Wa Y 30 Thanksgiving, 

^ _ Nov. 24, 1898, 

Fast Day, j U | v 4 Nov. 30, 1899. 

Apr. 8, 1898, ' . __ 

Mch. si, 1899. December 25 



Virginia 

GRACE is allowed on notes and acceptances; no 
grace on sight or demand drafts. Saturday is, by 
law, a half-holiday in the entire state. Notes, etc., fall- 
ing due on Saturday are payable the same day. Notes, 
etc., falling due on Sunday or legal holidays are payable 
the next succeeding business day. Legal rate of interest, 
6%. Contract rate, 6%. Notes to be negotiable must 
be payable at a bank or banking office. Holidays fall- 
ing on Sunday are observed Monday. 

January.. 1 July 4 Thanksgiving, 

Nov. 24, 1898, 



January . 19 
February 22 



Labor Day, 

Sept. 5, 1898, 
Sept. 4, 1899. 



Nov. 30, 1899. 

December 25 



GRACE is allowed on notes, acceptances and sight 
drafts ; no grace on demand drafts. Saturday is, 
by law, a half-holiday in the entire state. Notes, etc., 
falling due on Saturday are payable the same day. 
Notes, etc., if drawn with grace, falling due on Sunday 
or legal holidays, are payable the preceding business 
day; if drawn without grace, are payable the next 
succeeding business day. Legal rate of interest, 7%. 
Contract rate, 12%. Holidays falling on Sunday are 
observed Monday. 

July 4 



January . . 1 
February 12 
February 22 
May . . . 30 



Labor Day, 

Sept. 5, 1898, 
Sept. 4, 1899. 



Election Day, 

Even years, 
Nov. 8, 1898. 

Thanksgiving, 

Nov. 24, 1898, 
Nov. 30, 1899. 

December 25 



West Virginia 

GRACE is allowed on notes and acceptances; no 
grace on sight or demand drafts. Saturday is 
not a half-holiday. Notes, etc., falling due on Saturday 
are payable the same day. Notes, etc., falling due on 
Sunday or legal holidays are payable the preceding 
business day. Legal rate of interest, 6%. Contract 
rate, Q%. Notes to be negotiable must be payable at a 
bank or banking office. Holidays falling on Sunday are 
observed the day agreed upon by banks, usually Mon- 
day ; no law. 

January . . 1 

February 22 

July .... 4 December 25 



Election Day, 

Even years, 
Nov. 8, 1898. 



Thanksgiving, 

Nov. 24, 1898, 
Nov. 30, 1899. 



Wisconsin 

NO GRACE allowed. Saturday is not a legal half- 
holiday, but is observed, by custom, in Milwaukee. 
Notes, etc., falling due on Saturday are payable the 
same day. Notes, etc., falling due on Sunday or legal 
holidays are payable the next succeeding business day. 
Legal rate of interest, 6%. Contract rate, 10^. Holi- 
days falling on Sunday are observed Monday. 



January . . 1 

February 22 

May ... 30 

50th 
Anniversary 

State 
Organization, 

1898 only, June 7. 



July 4 



Labor Day, 

Sept. 5, 1898, 
Sept. 4, 1899. 



Election Day, 

Even years, 
Nov. 8, 1898. 

Thanksgiving, 

Nov. 24, 1898, 
Nov. 30, 1899. 

December 25 



Wyoming 

GRACE is allowed on notes, acceptances and sight 
drafts ; no grace on demand drafts. Saturday is 
not a half-holiday. Notes, etc. , falling due on Saturday 
are payable the same day. Notes, etc., falling due on 
Sunday or legal holidays are payable the preceding 
business day. Legal rate of interest, 8%. Contract 
rate, 12%. Holidays falling on Sunday are observed 
Monday. 

July 4 



January , . 1 

February 22 

Arbor Day. 

By proclamation. 
Usually in April. 

May . . . 30 



Labor Day, 

Sept. 5, 1898, 
Sept. 4, 1899. 



Election Day, 

Even years, 
Nor. 8, 1898. 

Thanksgiving, 

Nov. 24, 1898, 
Nov. 30, 1899. 

December 25 




6ANADA 



British Columbia 
Manitoba 

New Brunswick 

North West Territories 
Nova Scotia 
Ontario 

Prince Edward Island 

GRACE is allowed on notes, acceptances and sight 
drafts ; no grace on demand drafts. Saturday is, 
by custom, a half-holiday. Notes, etc., falling due on 
Saturday are payable the same day. Notes, etc., falling 
due on Sunday or legal holidays are payable the next 
succeeding business day. Legal rate of interest, 6%. 
Contract rate, no limit. Holidays falling on Sunday 
are observed Monday. 



January . . 1 




Labor Day, 

Sept. 5, 1898, 


Good Friday, 


May 24 


Sept. 4, 1899. 


Apr. 8, 1898, 






Mch. 31, 1899. 




Thanksgiving, 

Nov. 24, 1898, 




July 1 


Nov. 30, 1899. 


Easter Monday, 






Apr. 11, 1898, 
Apr. 3, 1899. 




December 25 



Quebec 

GRACE is allowed on notes, acceptances and sight 
drafts; no grace on demand drafts. Saturday is, 
by custom, a half-holiday. Notes, etc., falling due on 
Saturday are payable the same day. Notes, etc., falling 
due on Sunday or legal holidays are payable the next 
succeeding business day. Legal rate of interest, 6%. 
Contract rate, no limit. Holidays falling on Sunday 
are observed Monday. 



January 1 

January 6 

Ash Wednesday, 

Feb. 23, 1898, 
Feb. 15, 1899 

Good Friday, 

Apr. 8, 1898, 
Mch. 31, 1899. 



Easter Monday, 

Apr. 11, 1898, 
Apr. 3,1899. 

Ascension Day, 

May 19, 1898, 
May 11, 1899. 

May 24 
July 1 



Labor Day, 

Sept. 5, 1898, 
Sept. 4, 1899. 

November 1 
Thanksgiving, 

Nov. 24, 1898, 
Nov. 30, 1899. 

December 8 
December 25 




Fixed Holidays 



JANUARY . J 


New Year's Day 


6 


Epiphany 


8 


Battle of New Orleans 


J9 


Lee's Birthday 


FEBRUARY M 


Lincoln's Birthday 


22 


Washington's Birthday 


MARCH . • . 2 


Texas Independence Day 


APRIL . . . . 6 


Confederate Memorial Day 


15 


Arbor Day 


19 


Patriots' Day 


2\ 


Battle of San Jacinto 


22 


Arbor Day 


26 


Confederate Memorial Day 


MAY. . . . . JO 


Confederate Memorial Day 


20 


Mecklenburg Declaration of Independence 


24 


Queen "Victoria's Birthday 


30 


Decoration Day 


JUNE * • c ♦ ♦ 3 


Jefferson Davis' Birthday 


JULY \ 


Dominion Day 


4 


Independence Day 


24 


Pioneer Day 


AUGUST . . 16 


Bennington Battle Day 


SEPTEMBER 9 


California Admission Day 


NOVEMBER % 


All Saints' Day 


25 


Labor Day 


DECEMBER 8 


Conception Day 


25 


Christmas Day 



^1899^ 



January 


jfebruar^ 


flDarcb 


S M T W T F S 


S M T W T F S 


S M T W T F S 


1 


2 


3 


4 


5 





7 






1 


2 


3 


4 








1 


2 


3 


4 


H 


9 


10 


11 


12 


13 


14 


o 





7 


8 


9 


10 


11 


5 





7 


8 


9 10 


11 


15 


10 


17 


18 


19 


20 


21 


12 


13 


14 


15 


10 


17 


18 


12 


13 


14 


15 


10 17 


18 


.).) 


23 


24 


25 


20 


27 


28 


19 


20 


21 


22 


23 


24 


25 


19 


20 


21 


22 


23 24 


25 


29 


30 


31 










20 


27 


28 










20 


27 


28 


29 


3031 




april 


flDas 


3une 


S M T W T F S 


S M T W T F S 


S M T W T F S 














1 




1 


2 


3 


4 


5 













1 


2| 3 


o 


3 


4 


5 


6 


7 


8 


7 


8 


9 


10 


11 


12 


13 


4 


5 





7 


8 


9jl0 


9 


10 11 


12 13 


14 


15 


14 


15 


10 


17 


18 


19 


20 


11 


12 


13 14 15 


1017 


10 17 18 


19 20 21 22 


21 22 


23 


24 


25 


20 


27 


18 


19 


20 2122 23 24 


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80 


24 


25 


20 27 


2829 


28 


29 


30 


31 








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20 


27 28 29 30 




3 


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august 


September 


S M T W T F S 


S M T W T F S 


S M T W T F S 














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1 


2 


3 


4 


5 












1 2 


»2 


3 


4 


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7 


8 





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10 


11 12 


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15 10 


16 


17 


18 10 20 21 22 


20 


21 


22 


2324 


25 


20 


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1819 


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21 


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23 


23 


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25 20 27 28 29 


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3031 






24 


25 20 


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1Wov>ember 


December 


S M T W T F S 


S M T W T F S 


S M T W T F S 


11 2 3 4 5 


6 7 








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2 


3 4 












11 2 


B 9 10 11 12 


13 14 


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7 


8 


9 


1011 


8 


4 


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7 


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15 10 17 18 19 


20 21 


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13 


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17 


18 


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11 


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13 


14 15 10 


22 23 24 25 20 


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2122 


23 


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18 


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21 22 23 


29 30 31 










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„n,!;«,^ Y 0F CONGRESS 



021 051 063 1 



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